Hi, I'm Sara.

I work with successful, thoughtful Canadians who are carrying a financial situation that has too many moving parts to resolve alone.   

You've done your research. You know some of what you don't know. What you don't know is keeping you stuck, and you're ready to get unstuck.

Nothing catastrophic is necessarily around the corner — but living with that level of unresolved complexity is no longer acceptable. You want clarity, you want to understand all your options, and you want to move forward with confidence.

I do my best work when the situation is complex, the stakes are high, and your other advisors have followed only one thread. I hold all of them.

The best part of my job: sometimes, in the process of figuring out what's financially possible — people discover that their dreams are more within reach than they ever let themselves believe.

Sara McCullough

Certified Financial Planner (CFP)

Chartered Financial Divorce Specialist (CFDS)

Certified Divorce Financial Analyst (CDFA)

Who we work with most often:

People who are mid-career to early retirement

You've done research.  You know there are things you don't know.  You've gotten stuck on either how to best move forward or what happens to all your financial pieces if you move one financial piece.

This time in your life has options, which brings complexity.  Without clear answers, and resolution, the complexity has become uncomfortable, and you're ready to to find answers.

You need an advisor who can hold all of your goals, understand your current situation and give you options to move forward.

You're ready for the clarity you need to make confident financial decisions.

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People who need to transition a family business 

(usually farms!)

Working with family has joys and it has pressures.  When it's time to talk about parents stepping back and adult kids stepping up, there's a lot of threads to follow in that conversation.

Everyone, including the business, has income needs.  High net worth doesn't mean that income is easy, automatic or available.

A transition involves following all the threads to come to a transition plan that meets the parents' needs and goals, works for the adult kid taking on more responsibility and leaves a viable business with the cash flow to support everything that's needed.

Clarity on what's available, what's needed, timing, taxation- all these are important.  They're important on their own and in connection to each other.

When you've been having conversations that aren't moving you ahead, when the single-thread advice is building pressure, it's time to get a transition plan.

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People who are separating & divorcing

The end of a relationship is a large financial transaction that needs to be as right for you as possible.  You don't get to go back and 'fix it' once an agreement is signed.  That agreement forms the foundation for the next part of your life.

In this part of my practice, I work with clients wherever they are in the process.  I've had clients come to me to see if their goals are possible before they meet with lawyers or a mediator; early in the negotiations and after they've been stuck and unable to come to resolution after 18-24 months.

Whatever stage you're at, I will collect, organize and explain your documents.  I will give you options and help you understand what's afforable based on your priorities. I will help you evaluate settlement offers that you receive.

This is a time of heightened stakes, emotionally and financially.  I will support you to make confident decisions.

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